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Closing Costs - Insurance

There are varying insurance costs which will be part of the closing costs you will incur as part of the purchase of your new home. 

Homeowner's Insurance:

This insurance covers replacement costs for damages caused by fire, wind or other disaster that might affect the value of the property. Typically, the insurance also includes personal liability and theft coverage. All new home purchases that include a mortgage will be required to have insurance bound at the time of closing.

Flood or Quake Insurance:

Additional hazard insurance coverage that is required for homes located in a designated hazard zone as established by the Federal Emergency Management Agency (FEMA). As we tour houses, I will let you know if the property resides in a hazard zone.

Private Mortgage Insurance (PMI):

Insurance required for conventional mortgage loans when the borrower's down payment on the house is less than 20 percent of the loan value.

Title Insurance:

This policy protects both the buyer and lender by insuring a clear chain of title. In other words, it insures that that the person who sells the house has the legal right to do so. In Central Florida, it is customary for the Seller to pay for the cost of a title insurance policy at the time of closing.

If you should need assistance or have any additional questions, please contact Joe Bornstein, Rock Springs Realty, 877-333-2811 or joe@rockspringsrealty.com

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3780 Rochelle Lane
Apopka, FL 32712
(407) 252-8092
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